This card offers 0% on introductory purchases for the initial fifteen months, after which the card charges 15.9pc APR. The card also offers a competitive loyalty scheme for customers. One point will be awarded for every £1 spent in Marks & Spencer stores or online and one point for every £2 spent elsewhere. 100 points equates to a £1 voucher.

The Clubcard MasterCard from Tesco Bank offers customers an introductory 0% on all purchases during the first fifteen months. The card has a representative APR of 16.9%. Customers will be rewarded one Clubcard point for every £4 spent, with additional points earned on spend in Tesco's stores and filling stations.

Halifax All In One Mastercard offers 0% on all purchases for the initial fifteen months. The representative APR is 17.9%. This card also offers cardholders with an outstanding balance 0% on all balance transfers for 15 months.

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